IRS Tax Transcripts & Lender Verifications

Built for banks & lenders

The verifications behind a stronger loan file.

Bring borrower-authorized income, employment, asset, and tax evidence into one workflow. Less back-and-forth. A clearer file from application through underwriting.

Income & employment

A clearer view of what your borrower earns.

Verify income and employment using borrower-authorized records. Review earnings, employer details, and the evidence behind them in one place.

Assets

Know what is available to close.

Confirm balances, account ownership, and transaction history to support asset review and proof of funds.

Balance $84,200 Verified

Ownership Name matched Matched

Accounts 3 accounts Evidence linked

Tax transcripts

Tax records that complete the picture.

Bring IRS transcript records into your verification workflow to review reported income and resolve gaps in the borrower file.

How it works

A clear path to verified facts.

Three steps. One connected borrower file.

A borrower granting access to financial records on their phone

Permission grantedYour borrower is in control.

01
Borrower authorizes.
FINTEGRALSecure source connections

Bank recordsPayrollTax records

02
Records connect.
Your borrower file

Verified income$8,420 / mo

Verified assets$84,200

Supporting evidence included

03
Your team reviews.

Illustrative workflow. Your team makes the lending decision.

Your verification workflow

The evidence your lending team needs.

Income, employment, assets, and tax records belong together in the borrower file. Review the facts, follow the evidence, and keep your team’s underwriting policy in control.

Connect your verification sources ×

Choose a source

You remain in control. This on-page demo uses synthetic data and never requests real credentials.

BankingBalances and transactions

PayrollEmployment and income

TaxTranscript consent ✓

A better borrower experience

Make verification easier to understand.

A clear, borrower-authorized experience helps your team collect the records it needs while giving borrowers confidence in what they are sharing.

FINTEGRALIllustrative borrower file 4 verifications

Income$8,420 / mo

Payroll recordsVerified

EmploymentConfirmed

Employer and employment recordsVerified

Assets$84,200

Bank balances and account ownershipVerified

Tax transcriptsPending

Transcript request in progressRequested

Borrower authorization recorded

A connected borrower file

One workflow. A clearer financial picture.

Income, employment, bank accounts, and tax records brought together for verification and review.

Built for developers

Bring verifications into your lending workflow.

Give your engineering team a clear API for consent, verification requests, results, and status updates. Explore the flow below, then use the integration guide to get started.

Read the contract

{
  "applicationId": "APP-2026-000412",
  "product": "voa",
  "borrower": {
    "id": "borrower-8891",
    "fullName": "Jordan Rivera"
  },
  "consent": {
    "token": "CONSENT_TOKEN",
    "purpose": "mortgage_application"
  },
  "options": {
    "policy": "observe"
  }
}

{
  "verificationId": "ver_example",
  "status": "AWAITING_BORROWER_CONNECT",
  "product": "voa",
  "mode": "synthetic_preview"
}

IRS IVES tax transcripts

Income evidence.
From the source.

Bring borrower-authorized IRS tax transcripts into your lending workflow. Review reported income alongside the source tax records.

Borrower authorizationTranscript requestLender review

Discuss tax transcripts

Your team makes the lending decision.

Illustrative tax transcript packet on a navy folio beside IRS Form 4506-C and a champagne pen

Illustrative transcript workflow

Built for your lending operation

Clear results. Clear responsibility.

Fintegral supports the verification workflow: borrower consent, source connections, returned evidence, and status updates. Your team keeps control of underwriting and credit decisions.

You send

You get back

Owned by{{ lOwnerLong }}

“{{ aiQuestion }}”

{{ n.n }} {{ n.name }}{{ n.meta }}

FINTEGRAL VOICE

Talk to your money.

Verified answers. In any language.

Guide borrowers through verification, explain the results, and answer questions about the borrower file—in any language. Bring income, employment, assets, and tax records into a conversation grounded in the supporting evidence.

Add Voice AI to your product See the evidence

Speak in your language

Fintegral Voice {{ aiState }}

{{ r.n }} {{ r.read }} {{ r.val }}

Example borrower file4 verifications · one borrower file Explore the evidence →

Any languageSpeak in your language

Guided verificationHelp borrowers complete the steps

File questionsAnswers with supporting evidence

Consent-scopedby design

Start building

One integration. A clearer borrower file.

Tell us how your team verifies borrowers today. We will help you assess the right verification products, source requirements, and integration path.

01 Discuss your workflowIncome · employment · assets · tax records

02 Start with borrower consentPOST /api/v1/verify/consent

03 Review the verification resultGET /api/v1/verify/{id}

For your next request

IRS transcript costs.
Clearly defined.

Explore published starting rates and source-linked guides built around the work of banks, credit unions, and mortgage lenders.

Verify the facts. Lend with confidence.

The verifications behind a stronger loan file.

A clearer view of what your borrower earns.

Know what is available to close.

Tax records that complete the picture.

A clear path to verified facts.

Borrower authorizes.

Records connect.

Your team reviews.

The evidence your lending team needs.

{{ productTitle }}

Choose a source

Make verification easier to understand.

One workflow. A clearer financial picture.

Bring verifications into your lending workflow.

Income evidence.
From the source.

Clear results. Clear responsibility.

{{ lName }}

Talk to your money.

One integration. A clearer borrower file.

IRS transcript costs.
Clearly defined.

Find your institution

Grant only what you need

{{ connectHeading }}

Your profile is ready.

{{ bQuestion }}

The verifications behind a stronger loan file.

A clearer view of what your borrower earns.

Know what is available to close.

Tax records that complete the picture.

A clear path to verified facts.

Borrower authorizes.

Records connect.

Your team reviews.

The evidence your lending team needs.

{{ productTitle }}

Choose a source

Make verification easier to understand.

Your records.Your rules.

Choose what to share.

Nothing left unclear.

{{ consentReceiptTitle }}

One workflow. A clearer financial picture.

Bring verifications into your lending workflow.

Income evidence.From the source.

Clear results. Clear responsibility.

{{ lName }}

Talk to your money.

One integration. A clearer borrower file.

IRS transcript costs.Clearly defined.

Your records.
Your rules.

Income evidence.
From the source.

IRS transcript costs.
Clearly defined.